Gary Bonavita is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 42 years of industry experience. His prior experience includes nearly four decades with Metropolitan Life Insurance Company and MetLife Securities Inc. He also serves as a notary public, providing document witnessing services without charge. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements that utilize firm-approved software to analyze client goals and deliver written recommendations.

Donald Ross is a Wealth Management Advisor with over 30 years of experience in financial and wealth management. He provides services focused on money management and estate planning, assisting clients with personal and corporate investment strategies, retirement planning, and corporate executive services. As a member of the RS Group, he aims to connect clients' personal goals to financial strategies tailored to their needs. Mr. Ross holds a Bachelor's Degree from Rutgers University. He has earned the designation of Personal Investment Advisor (PIA). In addition to his professional responsibilities, he serves as the coach for the Rutgers University Men's Rugby Club and is involved in community activities including volunteer work with the VA New Jersey Health Care System at East Orange Hospital. Outside of his professional and community engagements, Donald Ross enjoys sailing with his wife and three children. His personal interests also include ice hockey, traveling, and yoga.

Nicholas Azzopardi is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized wealth management strategies tailored to their unique goals and priorities. Nicholas employs a relationship-driven approach to help clients navigate important financial decisions with clarity and confidence, focusing on long-term financial success. He earned his bachelor's degree from Wagner College, where he was a Division I lacrosse student-athlete, and later obtained his Master of Business Administration (MBA) from the same institution. Nicholas holds the Professional Investment Advisor (PIA) designation. A lifelong resident of Wayne, New Jersey, Nicholas values building lasting relationships within his community and is dedicated to providing personalized guidance and thoughtful strategies that help clients manage financial complexity and stay focused on their most important goals.

Jacob Buchanan is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked previously at Webull Financial and Select Dental Management. Outside of his advisory role, he assists with management and administrative services for family business entities focused on real estate and financial affairs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and global research to tailor plans aligned with client goals and risk tolerances. The firm’s platform includes wealth management, institutional trading, and capital markets services.

Donald Ruggieri is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and having 51 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as an executor for his mother's estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, and acts as an ERISA fiduciary when advising clients.

Whitney Figueroa is a financial advisor at OSAIC with five years of industry experience. She holds a Series 66 designation and has prior experience at Woodbury Financial Services. Whitney’s background also includes roles outside financial services, including work in healthcare at CareOne at Teaneck and Genesis Healthcare. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of advisors. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across multiple asset classes.

Scott Hosier is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since January 2001 and has held various leadership roles, including management positions in the Wayne office since 2007 and serving as Resident Director in the Upper Montclair office in 2011. In his current capacity, Scott focuses on helping clients navigate significant financial decisions by providing personalized strategies tailored to their priorities and goals. His areas of expertise include family wealth management strategies, managing new wealth, portfolio management services, and retirement income. Scott graduated with a Bachelor's degree from Wheaton College in 1993. He earned his Chartered Retirement Planning Counselor℠ (CRPC®) designation in August 2006 and holds several other professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott has also conducted seminars on topics such as estate planning services, retirement plan assets, and college 529 planning throughout northern New Jersey. Residing in Midland Park, New Jersey, Scott lives with his wife, Mary, and their four children: Jacob, Jillian, Karalyn, and Caleb. He has been actively involved in his community, serving as Chairman of the Board at Young Life Bergen County for over two years and coaching many of his children's sports teams. In his personal time, Scott enjoys music, photography, traveling, listening to podcasts, and spending time with his family.

Peter Kuo is a financial advisor at J.P. Morgan Securities with Series 66 registration and one year of industry experience. Prior to joining J.P. Morgan, he held positions at Equitable Financial Life Insurance, Gideon Strategic Partners, and has experience in the fitness and restaurant industries. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Siobhan Langa is a Financial Consultant currently working at Fidelity Investments since 2020. She is focused on developing strong relationships with clients by understanding their unique goals, needs, and concerns to assist them in working toward and maintaining sound financial plans. Prior to her current role, Siobhan accumulated experience in product management at UBS Financial Services from 1995 to 2012. Her professional background spans various aspects of financial services, contributing to her expertise in the field.

Mark Dzamba is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise since 2009, working across its affiliated entities. His other business activities include fiduciary services. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning that emphasizes dependable income sources and tax-aware withdrawal strategies.

Evan Pulliam is a financial advisor at Fidelity with five years of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors and Serino Coyne (Omnicom Group). Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its role in managing registered investment companies and its integration of advanced technologies such as AI in its research.

Ottilia Stura is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 66 licenses. She has 24 years of industry experience, including previous roles at Raymond James Financial Services and Lakeland Financial Services. In addition to her advisory work, she is also a licensed insurance agent specializing in individual life/health and property/casualty products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes annual, collaborative planning engagements supported by firm-approved analytical tools and provides event-driven planning services such as divorce and estate settlement.

Thomas Cox is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

F Hahofer is a financial advisor with LPL Financial, holding a Series 66 designation and 28 years of industry experience. He has been with LPL Financial since 2008 and is also affiliated with Webster Bank since 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Louis Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 25 years of industry experience. He has worked at Prudential Insurance Company of America since 2000 and transitioned to LPL Enterprise in 2024. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to various asset management and brokerage products through an integrated advisory and brokerage platform.

Thomas Heinbockel is a CFP® and Series 66-licensed advisor with Edward Jones in Nyack, NY, with 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs including managed solutions and separately managed accounts, operates under a fiduciary standard, and supports its services with a nationwide network of over 23,000 financial advisors.

Eric Fareri is a financial advisor at MassMutual Investors Services with two years of industry experience. He holds a Series 66 designation and has worked at MassMutual Investors Services and Creative Financial Group since 2023. Prior to his financial advisory roles, he was employed at T-ROC Global and was affiliated with Monmouth University from 2019 to 2023. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and structured planning processes to offer recommendations focused on investment categories and strategies.

Karina Vega Gonzalez is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at TD Private Client Wealth LLC and TD Bank N.A. prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Brent Jackson is a Financial Consultant currently working at Fidelity Investments since 2024. Prior to this role, he served as a Financial Consultant I at Fidelity Investments from 2021 to 2024. His financial advisory experience also includes positions at MassMutual from 2019 to 2021 and Axa Equitable from 2018 to 2019. Additionally, Brent was a Branch Manager at OneMain Financial from 2006 to 2018. Throughout his career, Brent has focused on understanding clients' priorities to develop personalized financial plans aimed at achieving their current and future goals. He emphasizes building lifelong relationships and fostering trust with those he works with. Outside of his professional work, Brent engages in family activities and enjoys fishing, football, and movies. He is also involved in volunteering.

Ralf Lennon is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera Investment Advisers since 2016. Outside of his financial career, he owns and manages a home improvement business specializing in bathroom remodeling and tile installations. Cetera Investment Advisers serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account management.